Payment Technology

Payment Card Technologies UK

Payment Technology

We are proud of our reputation as being at the very forefront of creating some of the most innovative payment card technologies in the UK. We are leading the way as one of the fastest growing payment technology specialists across not only the country, but the continent.

Our payment gateway technology offers an effective and efficient solution and is all built in-house. Our products are customisable, so you can guarantee that we’ll be able to meet your needs, whatever your specific requirements.

We have invested heavily in developing our own advanced payment technologies, so you can be sure that no-one understands our products better than we do. Our systems can be employed holistically, or you can choose to utilise only certain components – whichever method is most suitable to you.

Here, we will talk you through the ins and outs of our payment technology, how it works, all the features that our platform has to offer and why you should consider PFS as your provider of choice.

What is PFS’ payment technology and how does it work?

Our bespoke prepaid card platform has evolved over the course of several years to become a market leader in prepaid payment technology.

The middleware we have developed is a collection of core integrated technology modules. The platform provides prepaid card services from front end to back office, with integrations to multiple issuing processors, acquirers, cash top-up networks and service providers.

What are the features of PFS’ advanced payment technologies?

Our payment technology platform is a comprehensive offering designed to offer unrivalled versatility and user experience. It consists of the following core components:

Global Transfers for Cardholders

PFS has global loading partners to allow cardholders to load their cards from accounts in 38 countries worldwide.

Premium SMS

PFS has SMS shortcodes in different regions allowing online card applications to be paid for by reverse premium SMS.

Bank Transfer

Cash Loading:

  • Integration with 31,500+ cash loading locations in the UK (Payzone, Post Office)
  • Integrated with 40,000+ cash loading locations in France
  • Integrated with 1,800+ cash loading locations in Ireland (PostPoint)
  • Integrated with 2,500+ cash loading locations in Slovenia
  • Integrated with 22,000+ cash loading locations in Spain

Debit and Credit Card Processing

PFS are integrated with several payment acquirers and payment gateways with acquiring accounts in GBP, EUR, USD, AUD and ZAR, ensuring the most competitive rates for our clients, which can subsequently be passed on to cardholders.

Bulk Payment Solutions

PFS provide a secure bulk payment solution which allows the processing of multiple payments to multiple cards in minutes - it is ideally suited for payroll purposes. The flexible nature of our software platform means it can easily integrate into existing payroll software platforms.


Good Funds E-Wallet Technology

PFS provide a good funds model to our clients, allowing them to load and unload their cards instantly via batch, API, or through a back-office terminal. Detailed real-time reporting is provided to ensure a full audit trail of all transactions.

Cardholder Portal

PFS provide an online cardholder portal that is fully customisable. This can be fully branded and integrated into the client website providing a seamless user experience for the cardholder. The functions available to the cardholder include:

  • Card status and balance information
  • Transaction history and statement printing
  • Card loading via bank transfer or online debit card payment
  • Updating of contact details
  • Transfer of funds to another card
  • Transfer of funds to a bank account
  • Cashback and rewards
  • Bill payments


PFS provide a multilingual IVR (Interactive Voice Response) system, which cardholders can use to retrieve their PIN, check their balance or block their card if lost or compromised. Local numbers can be provided globally, and additional languages added based on client requirements.

FX System

PFS have partnered with several Currency Exchange providers, allowing our clients and cardholders to load our currency cards at extremely competitive rates. FX providers have the capability to feed us real-time rates, as many times a day as they wish, ensuring no exposure to market volatility.

Multiple Currencies

PFS currently issue cards in the following currencies: Australian Dollar, Canada Dollar, Denmark Krone, Euro, Great British Pound, Hong Kong Dollar, Israel Shekel, Japan Yen, Norway Krone, Poland Zloty, South Africa Rand, Sweden Krona, Switzerland Franc and United States Dollar.


Which other kinds of payment gateway technology do PFS offer?

Amid the hustle and bustle of everyday life, we understand it is more important than ever to be able to offer payment technology that can be used when you are on the move. In order to ensure we offer the most up to date solutions, PFS have partnered with these premium mobile payment providers:

  • Fitbit Pay: Add your PFS card to your Fitbit wallet and you will be able to pay with a flick of your wrist.
  • Garmin Pay: Allows you to tap your PFS card via your smartwatch, meaning you can leave your phone and wallet at home and still be able to make a payment.
  • Google Pay: We have teamed up with Google to provide payment solutions all around the world in stores, apps or on websites.
  • Samsung Pay: Upload your PFS card to a suitable Samsung device and you will be able to make fast, simple and secure payments.

Why choose PFS for your payment technology solutions?

Our innovative and revolutionary advanced payment technologies mean our glowing reputation within the industry has been well established for a number of years – but you don’t have to just take our word for it.

In 2018, we were presented with the Digital Technology Award at the RSM European Business Awards as well as being listed in the Financial Times Future 100 UK – further evidence of our underlying quality when it comes to offering payment technology solutions to our clients and customers. Of course, if you have any further questions regarding payment technology, do not hesitate to get in touch with us today.